So if all your tenants move out in winter and you can't find replacements, you're screwed.I'm sure most Landlords will adjust and they will generally do fine but this is an attempt to slowly steal away private property rights and treat the Landlord like a criminal, essentially punishing you before you've done anything wrong.I'm currently working with three investors that are selling all their properties in California and moving their investment money to Wyoming.

The nice thing is you can adjust your profile the way you want it and then find a property that fits that profile.

Generally, if you're not hitting the 1% rule or better, it's not a viable rental property.As far as your analysis, I'd make the following adjustments going forward:Expect at least 6 months to refinance.

The returns are there, the economy is doing well, the cashflow is there, the population is growing, our state elected reps are there so it's guaranteed to always have a good school district (they are the ones making the budget), it's a reasonable drive for going to deal with property owner problems in person, it's not Nebraska with zero inflation adjusted appreciation, et cetera. 

I know the product needs to adjust to the temperature/humidity before being installed.

If the big expenses were around $10k each, that would add an added 13 years to recover that cash, and this repeats, so you never catch up.The dollars (not percentages) you need to make, and use for analysis, must be based on your plan requirements...NOT some arbitrary number that you adjust as you go to make a property work.Your not going after properties...you're going after deals. 

I signed up to check it out and see a couple of flaws:You can't see the unit pricing they are using for each item (it just has a Yes or No switch that adds an unknown amount to your Total Budget)You can't adjust the pricing for each itemYou can't save the pricing as a template to be reusedWithout knowing the unit pricing they are using for each item and not being able to adjust the pricing for each item it's hard to tell if it's truly accurate.  

@Phillip S.Did you talk to your insurance agent or an adjuster?

Repair Bills (Just more things to go wrong over time).Service life (adjust the cost for inflation and see what kind of CAPEX you need for it).It's not needed to attract tenants (like an A/C system is in most places). 

You need human to pull and make adjustments.